Capital for Market logoCapital for Market Review 2026

QUALITY LENDER ESTABLISHED LENDER CUSTOMER FAVOURITE What these mean ›
★★★★★ 4.8 · 6 borrower reviews
Capital for Market applies one pair of tests to all four of its products: a credit score of 580 and revenue stated annually at $100,000. Term loans and equipment deals run from $5,000 into the tens of millions over terms up to 96 months, the merchant advance tops out at $500,000 on factor rates, and funding lands inside 24 hours across every province and territory.

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Rates checked August 5, 2026
In business
Since 2006
Customers served
3,000+
Total funded
Over $100 Million
Branches
Online Only
Provinces
13 of 13

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov

Best for

Established businesses seeking the lowest published rate or a very large raise

Not for

Newer businesses, and anyone needing funds without documentation

What we like

  • 7% APR floor, the lowest in the entire business pool
  • Lends to $50 million, the highest ceiling on the platform
  • Terms to 96 months, the longest available

Where it could improve

  • 12 months trading and $10,000 monthly revenue required
  • Larger raises at the lowest rates carry heavier documentation

Products offered

Each product is priced separately. Compare them below.

Equipment Financing
Secured on the asset · All of Canada
Apply Now
Amount
$5K - $50M
Rate
From 7% APR
Terms
5 - 96 months
Min revenue
$8,333/mo
Time in business
12+ months
Good to know: Minimum credit score 580.
Merchant Cash Advance
Repaid as a share of sales · All of Canada
Apply Now
Amount
$5K - $500K
Rate
Factor 1.1 - 1.5See true cost ›
Terms
3 - 12 months
Min revenue
$8,333/mo
Time in business
12+ months
Good to know: Minimum credit score 580. Priced as a factor rate, never converted to APR. The MCA true-cost calculator converts it to dollars.
Term Loan
Unsecured · All of Canada
Apply Now
Amount
$5K - $50M
Rate
From 7% APR
Terms
5 - 96 months
Min revenue
$8,333/mo
Time in business
12+ months
Good to know: Minimum credit score 580.
Truck & Trailer Financing
Secured on the vehicle · All of Canada
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Amount
$5K - $50M
Rate
From 7% APR
Terms
5 - 96 months
Min revenue
$8,333/mo
Time in business
12+ months
Good to know: Minimum credit score 580.

See if you qualify

Three questions checked against Capital for Market's published criteria, per product. No application started.

Answer the questions to check Capital for Market's published criteria
Educational check against published criteria. Not an approval or offer.

Eligibility and documents

Capital for Market applies one revenue test and one credit number, 580, identically across all four of its products.

Who qualifies

Minimum credit score
580
Revenue test
Stated as an annual figure
Where it lends
All provinces and territories

What you need to apply

  • A completed application form
  • Six months of bank statements

Contact Capital for Market

Get in touch

Support and hours

  • Monday - Friday 10am - 6pm ET
  • ChannelsEmail Support, Phone Support, Social Media

Awards earned by Capital for Market

Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.

QUALITY LENDER badge Quality Lender

Vetted lenders that are listed on Smarter Loans

ESTABLISHED LENDER badge Established Lender

Listed on Smarter Loans for 3 or more years

CUSTOMER FAVOURITE badge Customer Favourite

High click-through and engagement rates from Smarter Loans visitors

Badges are issued by our editorial team from platform data and verified reviews. They are never sold, and featured placement has no bearing on them. Read the badge criteria ›

Borrower reviews

6 reviews from borrowers who used Capital for Market. Reviews are moderated; lenders cannot remove them.

★★★★★

Helped with fleet financinig

Capital for Market was able to help me finance a fleet of trucks. Great customer service and rates.

Jordan
★★★★★

Personal service

Really enjoyed working with Capital for Market. Friendly and knowledgeable staff. They actually cared to get the best deal for us and negotiated with lenders on our behalf.

Olly
★★★★★

Fast Approval, Great Support

I needed funding quickly for a new contract and Capital for Market delivered within 48 hours. Excellent support!

Andrea K.
★★★★★

Simple and Effective

Super easy application and helpful customer service. They understood our business needs perfectly.

Sean L.
★★★★☆

Good Terms

The process was fast and I liked the flexibility in repayment terms. Would use them again.

Tina R.
★★★★★

Perfect for Growing Businesses

We used their loan to scale operations and it worked out great. Fast access to capital.

Derek F.

Common questions about Capital for Market

What does Capital for Market do?

Capital for Market is a business loan brokerage firm with experienced partners who have run real businesses themselves.

What does Capital for Market offer?

They offer tailored funding solutions without upfront fees and can even provide equity. Capital for Market offers a range of financial solutions, including unsecured loans, trade finance, secured loans/asset-based lending, and commodity buying services.

How much can I borrow from Capital for Market?

Borrowers can access funding ranging from $10,000 to $100 million through Capital for Market.

How do I apply for a loan from Capital for Market?

To apply for a loan from Capital for Market, start by filling out their online application form. Their agents will then reach out to you within one working day. You will need to provide basic details such as your name, contact information, business details, and loan requirements. They'll guide you through the process, ensuring a smooth experience tailored to your needs.

How fast will I get my money?

For unsecured loans, funds can be deposited into your account within one business day after receiving all required documents. However, for secured loans, the process may take up to one week, depending on the completion of additional documentation.

What is trade financing?

This financing option, also known as Purchase Order financing, assists in funding your imports to Canada. Whether it's equipment for your factory, goods for sale, fulfilling orders, or raw materials, Market to Capital has you covered.

How do I know if I will qualify for a loan?

Ideally, Capital for Market prioritize businesses with at least one year of operation and annual sales of at least $100,000.

What kind of businesses does Capital for Market work with?

As Business Loan Brokers, Capital for Market stand out with firsthand experience in industries like mining, oil, logistics, shipping, trading, and restaurants. Leveraging their own business acumen, they comprehend your needs and customize solutions to meet them realistically.

What is Capital for Market's unsecured loan like?

Unsecured loans, which don't necessitate collateral, are swift and convenient. They usually don't impact your credit report and can be approved within 24 hours of application submission and document verification. Eligibility is determined based on your company's cash flow, with loan amounts available up to $500,000. While interest rates are typically higher, repayment terms range from 3 months to 2 years.

Will an unsecured loan from Capital for Market show up on my credit report?

These loans don't reflect on the credit report of the company owner.

Capital for Market · $5,000 - $50 million · 4 products · funding in 24 hours Apply Now